Retirees and Pre-Retirees

looking to live comfortably

For individuals nearing retirement, planning and preparation are key in determining when to retire, or how much longer to work to be able to maintain your lifestyle. However, the importance of financial planning doesn’t diminish when you retire. People are living longer today, so the possibility of going 10, 20 and even 30 years without a paycheck takes prudent planning and disciplined cash flow management.

Our goal is to help you with preserving your wealth, and creating a sustainable income stream throughout your retirement while maintaining your standard of living. This includes having a withdrawal strategy that addresses both your need for monthly income and your desire to make your money last. We will create a personalized plan designed to help preserve your wealth and mitigate the impact of market risk, taxes and inflation.

Since Social Security benefits can play an important role in providing retirement income, Social Security analysis is part of the planning services we offer. We can help you determine your eligibility, when best to file, and how to potentially maximize benefits for you and your spouse.

We will help you manage your required minimum distributions and determine the most tax-efficient ways to draw income from your investments. We’ll also collaborate with your legal, accounting and insurance professionals on important matters such as estate planning, life insurance and long-term care.

With the right financial guidance, we believe retirement can be a most enjoyable and fulfilling time of your life.

There is no assurance that any investment strategy will be successful. Investing involves risk including the possible loss of capital.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.